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Bankrate’s 2025 Annual Emergency Savings Report

Banking
A majority (81%) of Americans did not increase their emergency savings this year
By Karen Bennett
10 min read
Woman watering plants.

Current CD rates for January 2026

Banking
Check out the latest CD rates from Bankrate’s weekly survey of banks and thrifts.
By Karen Bennett
3 min read
A graphic with a pale yellow background and a darker yellow circle in the center. There is a red line trending up and to the right, with a piggy bank that has coins falling into it in front of that.

Savings and money market account rates forecast for 2026: Rates will continue to slide but remain ahead of inflation

Banking
Expect yields to continue trending downward in 2026.
By Karen Bennett
4 min read

Exclusive insights from our expert analysts

“It will be another year where the highest-yielding savings accounts, money markets and CDs outpace inflation while the averages — and the offerings at most banks — fall well short.”

– Greg McBride, CFA

CD rates forecast for 2025: Top yields will decline, yet they’ll outpace inflation

The year 2024 came to a close with yields having declined on many certificates of deposit (CDs), spurred by three Federal Reserve rate cuts, although savers were still able to benefit from locking in strong yields. Even if yields on competitive deposit accounts decrease further in 2025, they’re still expected to outpace inflation.
Read more

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Principal U.S. Economy Reporter

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Latest articles

Illustration of Fed Chair Jerome Powell with a now hiring sign in the background.

From AI bubble fears to the job market’s ‘Great Freeze’: Economists answer your biggest questions about 2026

The U.S. may dodge a recession, but experts aren’t denying it: Something feels off.
Jan 12, 2026
A graphic with a pale yellow background and a darker yellow circle in the center. There is a red line trending up and to the right, with a piggy bank that has coins falling into it in front of that.

Savings and money market account rates forecast for 2026: Rates will continue to slide but remain ahead of inflation

Expect yields to continue trending downward in 2026.
Jan 06, 2026
A music CD underneath a piggy bank

CD rates forecast for 2026: APYs will trend lower but still beat inflation

You can find a CD account that significantly out-earns the national average if you shop around among banks.
Jan 06, 2026

Is there still such a thing as a 5% CD?

Currently, you can lock in annual percentage yields (APYs) on certificates of deposit (CDs) at and slightly above 4% with many nationally available CDs. Only a select few financial institutions offer promotional [...]
Dec 20, 2025
Fed Chair Jerome Powell speaks at a news conference.

The Fed just cut interest rates again. We asked 5 experts what Americans should do next

Rates are falling, and finance pros say it may be time for Americans to rethink some strategies.
Dec 10, 2025
Federal Reserve Eccles Building illustration

Fed’s interest rate history: The federal funds rate from 1981 to the present

Bankrate analyzed the Fed’s historic rate moves for clues on what might come next.
Dec 10, 2025
Fed Chair Jerome Powell is superimposed over the Fed Building, looking pensive

As Trump eyes Powell’s successor, the Fed moves toward another rate cut

Powell is dealing with the most intense division of his eight years as Fed chair.
Dec 08, 2025
Illustration of a US Federal Reserve ink stamp

6 key ways the Federal Reserve impacts your money

Every financial decision you make is impacted by the Federal Reserve.
Dec 08, 2025
President Donald Trump talking

The Trump administration’s trade wars are whipping Fed policy back and forth

Here’s why Fed officials are so concerned about the trade war right now.
Jun 07, 2019
Man in manufacturing plant

U.S. economic growth in the first quarter revised down slightly to 3.1 percent

But the revision was less than economists thought it would be.
May 30, 2019
Digit app

Need fast access to your savings? Automated savings app Digit adds instant transfer for bank accounts

For 99 cents per withdrawal, users can move money from their account into another within minutes.
May 14, 2019
Man paying with credit card

Here’s why low inflation has the Fed concerned right now

With the best job market in decades, the Fed is wondering why there isn’t more inflation.
May 07, 2019
Jerome Powell at press conference

Federal Reserve holds interest rates steady, notes unexpectedly soft inflation

The Fed continues to delay any interest rate moves amid persistently low inflation.
May 01, 2019
President Trump and Jerome Powell

Here’s how much Trump’s Fed picks could actually shake up the central bank

The Fed might find itself in a tricky situation.
Apr 30, 2019
Welders at work

U.S. economy blows away expectations in the first quarter, but questions remain

GDP expanded by 3.2 percent, but gains came from the typically more volatile components.
Apr 26, 2019
Federal Reserve chair

3 things to watch for at the Fed’s April-May meeting

The Fed will most likely hold interest rates steady, but here’s how it could still impact your wallet.
Apr 26, 2019
A music CD underneath a piggy bank

CD rates forecast for 2026: APYs will trend lower but still beat inflation

You can find a CD account that significantly out-earns the national average if you shop around among banks.
Jan 06, 2026
Design of credit card and graph

Credit card interest rate forecast for 2026: Rate cuts will bring little relief to cardholders

Credit card interest rate drops will likely provide little relief in 2026.
Jan 05, 2026

How does the Federal Reserve affect mortgages?

The Federal Reserve’s decisions have ripple effects, including for mortgages.
Dec 11, 2025
Exterior of Federal Reserve building

How does the Fed interest rate affect car loans?

Does the Fed interest rate affect car loans? Yes, it does: It has a domino effect that can raise or lower auto loan rates.
Dec 10, 2025
Outside of the Federal Reserve building

How the Federal Reserve impacts personal loans

The Federal Reserve just lowered interest rates for the first time in four years.
Dec 10, 2025
A Black couple talk to a salesperson at a car dealership.

When will car interest rates start dropping?

Auto rates will likely not decrease this year. Consider how to still save.
Dec 10, 2025

How the Federal Reserve affects HELOCs and home equity loans

If you’re looking at HE loans or have a variable-rate line of credit, pay attention to the Fed.
Dec 10, 2025
US-ECONOMY-FEDERAL RESERVE-RATE-POWELL

How the Federal Reserve affects business loans

The Fed’s rate hold means loans costs are sticking. Here’s what it means for your business.
Dec 10, 2025
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